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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

How Mutual Funds Are Taxed: What Investors Need to Know

Mutual funds are a popular way to invest, but they can carry tax consequences even if you don’t sell your shares. From dividends to capital...

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How New Car Replacement Coverage Works After a Total Loss

New car replacement insurance is an optional add-on that can help you avoid a big financial hit if your new vehicle is stolen or totaled. In...

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How Overdrafts Affect Your Credit and Banking Future

Overdrafts themselves don't usually hurt your credit score, but the consequences of unpaid overdraft fees can. If left unresolved, overdraft...

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How Owning a Home Can Reduce Your Tax Bill

Owning a home comes with several tax benefits that can make purchasing, maintaining, and selling a property more affordable. From deductions...

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How Parents Can Cut Costs on Back-to-School Spending

Back-to-school shopping is an annual tradition that excites kids and often strains parents' wallets. While it’s tempting to splurge on cloth...

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How Payday Alternative Loans Work at Credit Unions

Payday alternative loans (PALs) are small-dollar loans offered by federal credit unions as a lower-cost option to traditional payday loans....

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How Paying Bills Affects Your Credit Score

Paying bills on time is crucial for your financial health, but not every payment you make will help build your credit score. While loans, cr...

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How Payment Processing Works (and How to Pick the Right Provider)

A payment processor is the behind-the-scenes service that securely moves card data and funds between customers, card networks, and banks so...

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How Penalty APRs Work—and Smart Ways to Avoid Them

A penalty APR is a much higher interest rate that some credit cards can apply when you’re seriously late on payments—typically 60 days past...

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